A person can get into a situation where a lack of money becomes a problem.
At the same time, he tries to borrow from friends, take a loan or write a receipt for the amount of debt.
At the same time, sooner or later, through an oral or written agreement, the borrower is obliged to repay the debt.
If your debtor did not pay the debt forA certain period of time, then on a voluntary basis it is possible to conclude a contract with him on repayment of the debt with interest. Sometimes there are cases when the debtor simply forgot about the debt or did not calculate the amount. Therefore, in this situation, it is necessary to compose a claim letter correctly, which describes the sanctions that will be applied in case of non-payment of arrears. As a rule, after such information, bona fide borrowers repay the debt.
If the lender and the borrower were registeredA receipt for the amount of the debt, then it will not be difficult to demand payment of the amount under this document. If there is no response to the creditor's claim for payment, the next step in obtaining a debt is to go to court. With the help of a court order, the bailiff begins to work with the case. First, the bailiff of the performer gives time to the debtor to repay the debt voluntarily. If the repayment of the amount of arrears has not occurred, the bailiffs begin to search for funds in bank accounts and describe and arrest property belonging to the borrower.
If you are a debtor of a bankCredit, ie, the period of overdue debts is from 30 to 90 days, and the number of non-payment of a minimum or next payment - 2-3 times, the bank in accordance with the loan agreement can apply to you certain sanctions. To begin with, temporarily block your plastic card so that you can not use the cash until you place enough money on your account to pay the debt. If these measures are ignored by you, then the bank is entitled to put you on the blacklist of customers, as well as reflect your non-payment on your credit history. Accordingly, in the future, obtaining a loan from you will be very problematic.